Our Services

Select from a wide range of the residential, commercial, and consulting services that we offer.

Residential Services


There are a few types of residential mortgages. In this part we are going to list the types of residential mortgages that we offer.

Refinancing

With rates near historic lows now is the time to refinance. You can refinance for many purposes.

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Conventional Loans

There are many loan programs available - too numerous to cover them all, we've highlighted the programs more commonly offered today. Characteristics of each loan program are unique, so consult with us for more information and to become familiar with the details of the programs available to you.

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USDA Agricultural Loans

With many loan options available, USDA Loans rank as THE BEST for getting into your dream home. USDA Loans have many features that make them superior to home loans through a bank.

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FHA Mortgages

The FHA program is ideal for first time home buyers, people with limited money for a down payment, and those who might have to pay higher interest rates on conventional loans due to credit scores. FHA does both purchase and refinances.

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VA Mortgages

VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

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HomeStyle Loans

The HomeStyle Renovation Loan from Fannie Mae lets you roll the cost of buying or refinancing a home together with renovation expenses. It’s designed to keep things simple if you want to take on a fixer-upper or upgrade the home you already own.

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HomeReady Loans

The HomeReady loan program from Fannie Mae is designed to make becoming a homeowner easier for buyers that quality under low-to-moderate income guidelines. Additionally, it's available to both first-time and repeat buyers, and also provides flexible ways to qualify that other programs may not.

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203k Loans

An FHA 203(k) loan is a government-backed mortgage that lets you buy or refinance a home and roll renovation costs into the same loan. It is often used for fixer-uppers or to update an existing home.

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Commercial Services


There are a few types of commercial loans and mortgages. In this part we are going to list the types of commercial services that we offer.

Working Capital Loans

A working capital loan is short-term financing that helps businesses handle everyday expenses such as payroll, rent, inventory, or utilities. It’s designed to support operations and cash flow, not for long-term investments like equipment or property.

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Industrial Lending

Lenders offer industrial building loans to cover spaces like warehouses, logistics centers, and manufacturing facilities. The funding can go toward an acquisition, new construction, refinancing, or major improvements, depending on what the property needs.

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Hotel Loans

Hotel loans are commercial financing options specifically designed for the hospitality industry. They provide funding for acquisitions, construction, renovations, operations, and other hotel-related needs.

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Construction Loans

A construction loan is a more specific type of loan, designed for construction and containing features such as interest reserves, where repayment ability may be based on something that can only occur when the project is built. Thus, the defining features of these loans are special monitoring and guidelines above normal loan guidelines to ensure that the project is completed so that repayment can begin to take place. Our loans cover everything from single investment property to multi-family dwelling with hundreds of units.

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Government Loans

Government-backed commercial loans are supported by federal agencies to reduce risk for lenders and make it easier for businesses to access capital.

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Real Estate Loans

A commercial real estate loan is financing used to purchase, refinance, or develop income-producing properties for business use. These loans are common for developers, investors, and business entities that need capital for larger projects.

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Specialty Loans


There are a few types of specialty loans. In this part we are going to list the types of specialty loans that we offer.

DSCR Loans

A DSCR loan is a non-qualified mortgage (non-QM) designed for real estate investors. Instead of relying on personal income or tax returns, approval is based on the property’s rental income.

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Bank Statement Loans

Bank statement loans are a type of non-qualified mortgage (non-QM) designed mainly for self-employed borrowers. Instead of tax returns or W-2s, lenders use 12 to 24 months of personal or business bank statements to evaluate income and cash flow.

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Profit & Loss Loans

Profit & Loss (P&L) loans are non-qualified mortgages (non-QM) that use a borrower’s profit and loss statements, rather than W-2s or tax returns, to determine eligibility for a home loan.

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Foreign National Loans

Foreign national loans are mortgage products created for non-U.S. citizens or residents who want to buy property in the United States. They are designed for borrowers who may not have a U.S. credit history, Social Security number, or permanent residency status.

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Consulting Services


In this part we are going to list the types of consulting services that we offer.

Personal Financial Consulting

As a Personal Financial Lending Consultant, I help individuals navigate the lending process with confidence and clarity. Whether you're seeking a personal loan, mortgage, debt consolidation, or credit improvement, I provide expert guidance every step of the way.

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Business Lending Consulting

As a Business Lending Consultant, I help entrepreneurs and companies access the capital they need to grow. My services are designed to simplify the lending process and position your business for financial success.

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If you're interested in our services, call or email us today to request a consultation!